Problems Problems

Good Day I started to experience problems and issues with FNB about a month ago.It all started when another business I had an agreement with,of which I cancelled the agreement we had about 2 months prior to the incident, deducted money from my account, which is/was *****ulent by the way,seeing that I cancelled the contract.I then contacted FNB and informed them about the transaction and requested that they refund the amount back into my account,only to be told that they cant do anything about the transaction and I.,MYSELF,must contact the company that took money from my account and ask/beg (because let's face it,which company would EVER refund you after they succeeded to take money from your account?!??) to refund me????Tell me then, honestly,WHY DO I NEED A BANK if I have to sort out everything myself?Is the money in a bank account,NOT THE MONEY of the owner of said account?So why cant the people/bank appointed by you to protect your money,take your money back which was *******ly taken from your account???We get FORCED by the government and/or employers to open a bank account, otherwise we wont receive a salary,but still anybody and/or anyone can take your money as they want to,your bank cant do anything about it or so they claim.Then,when I received my 2 pot monies I noticed that another amount was available in my account and knowing that my employer owes me some back pay,I transferred the wole amount into my daughter's account to pay some debts.Now,I see my bank account shows MINUS (a very large amount) and only realized,after I spoke to my finance department,that the second amount was not part of the back pay.It is clear that my whole salary is going to be deducted at the end of the month,of which I would then still be more than a thousand rand in the minus because my salary isnt enough for the outstanding amount and I cant afford it.How am I going to pay rent,buy groceries,pay other debts,pay school fees etc etc etc?????The best part of all,is that I am blacklisted and dont have an overdraft or anything like that,so how possible is it to be able to receive an amount,from the bank,and then when the bank realizes their mistake,said amount is treated like an overdraft and/or loan.When I asked the bank,fnb,about the incident and how they could have given me that amount of money,seeing that a am blacklisted etc.I was informed to contact the collection department because there was a lot of transactions with the amount on the day I received it,lol.So,who is at fault now??The banks are VERY QUICK to take back their monies BUT when someone take money from your account,YOU YOURSELF must sort it out!!!I am more then willing to repay every cent of the second amount I received BUT can not afford to loose my whole salary and fall behind with ALL my other priorities because of a mistake the bank MADE,NOT ME!! Thank you for allowing me to write a review and truly hope that this would assist me